:root{--navy:#0e3a78;--navy-deep:#0a2247;--navy-hover:#0b2f63;--charcoal:#2f3338;--charcoal-soft:#565c64;--bronze:#b57a3e;--bronze-deep:#8f5f2f;--bg:#f8f8f6;--bg-tint:#f1f3f6;--white:#fff;--border:#d9dde2;--border-strong:#c3cad3;--text:#2f3338;--text-muted:#565c64;--text-on-dark:#e9edf3;--text-on-dark-mut:#afbccd;--font-display:"Playfair Display", "Libre Baskerville", Georgia, "Times New Roman", serif;--font-body:"Source Sans 3", "Source Sans Pro", Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;--fs-eyebrow:.8125rem;--fs-small:1rem;--fs-body:1.125rem;--fs-body-lg:1.25rem;--fs-h4:1.25rem;--fs-h3:clamp(1.375rem, 1.1rem + .9vw, 1.75rem);--fs-h2:clamp(1.875rem, 1.4rem + 2vw, 2.75rem);--fs-h1:clamp(2.25rem, 1.6rem + 3.2vw, 3.5rem);--lh-tight:1.15;--lh-snug:1.35;--lh-body:1.7;--s-1:4px;--s-2:8px;--s-3:12px;--s-4:16px;--s-5:24px;--s-6:32px;--s-7:48px;--s-8:64px;--s-9:96px;--s-10:128px;--section-y:clamp(64px, 8vw, 112px);--r-sm:3px;--r-md:6px;--r-lg:10px;--sh-xs:0 1px 2px #0a22470f;--sh-sm:0 2px 10px #0a224712;--sh-md:0 10px 30px #0a22471a;--sh-lg:0 18px 48px #0a224724;--wrap:1140px;--wrap-narrow:760px;--header-h:92px;--ease:cubic-bezier(.22,.61,.36,1);--logo:url(/assets/logo-full.png);--logo-ratio:1 / 1;--logo-h:url(/assets/logo-full.png);--logo-h-ratio:1 / 1}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{background:var(--bg);color:var(--text);font-family:var(--font-body);font-size:var(--fs-body);line-height:var(--lh-body);-webkit-font-smoothing:antialiased;margin:0}img,svg{max-width:100%;display:block}h1,h2,h3,h4{font-family:var(--font-display);color:var(--navy-deep);font-weight:700;line-height:var(--lh-tight);margin:0 0 var(--s-4);letter-spacing:-.01em}h1{font-size:var(--fs-h1)}h2{font-size:var(--fs-h2)}h3{font-size:var(--fs-h3);line-height:var(--lh-snug)}h4{font-size:var(--fs-h4);line-height:var(--lh-snug)}p{margin:0 0 var(--s-4);max-width:68ch}a{color:var(--navy)}ul{margin:0 0 var(--s-4);padding-left:1.25em}li{margin-bottom:var(--s-2)}strong{color:var(--navy-deep);font-weight:600}:focus-visible{outline:3px solid var(--bronze);outline-offset:3px;border-radius:2px}.logo{background:var(--logo) no-repeat center / contain;width:auto;aspect-ratio:var(--logo-ratio);display:block}.logo--h{background-image:var(--logo-h);aspect-ratio:var(--logo-h-ratio)}.skip-link{z-index:200;background:var(--navy-deep);color:#fff;padding:14px 22px;font-weight:600;position:absolute;top:0;left:-9999px}.skip-link:focus{top:12px;left:12px}.sr-only{clip:rect(0 0 0 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p{color:var(--text-on-dark-mut)}.eyebrow{align-items:center;gap:var(--s-3);font-family:var(--font-body);font-size:var(--fs-eyebrow);letter-spacing:.18em;text-transform:uppercase;color:var(--charcoal-soft);margin:0 0 var(--s-4);font-weight:600;display:flex}.eyebrow:before,.eyebrow:after{content:"";background:var(--bronze);flex:none;width:28px;height:2px}.eyebrow:after{display:none}.section-head--center .eyebrow{justify-content:center}.section-head--center .eyebrow:after{display:block}.section--navy .eyebrow{color:var(--text-on-dark-mut)}.btn{min-height:58px;font-family:var(--font-body);letter-spacing:.01em;text-align:center;border-radius:var(--r-md);white-space:nowrap;cursor:pointer;transition:background .2s var(--ease), border-color .2s var(--ease), transform .12s var(--ease), box-shadow .2s var(--ease);border:2px solid #0000;justify-content:center;align-items:center;gap:10px;padding:16px 30px;font-size:1.0625rem;font-weight:600;text-decoration:none;display:inline-flex}.btn--primary{background:var(--navy);color:var(--white);box-shadow:var(--sh-sm)}.btn--primary:hover{background:var(--navy-hover);box-shadow:var(--sh-md);transform:translateY(-1px)}.btn--secondary{background:var(--white);color:var(--navy-deep);border-color:var(--border-strong)}.btn--secondary:hover{border-color:var(--navy);background:var(--white);transform:translateY(-1px)}.btn--onnavy{background:var(--white);color:var(--navy-deep)}.btn--onnavy:hover{background:var(--bg);transform:translateY(-1px)}.btn--ghost-onnavy{color:var(--white);background:0 0;border-color:#fff6}.btn--ghost-onnavy:hover{border-color:var(--white);background:#ffffff0f}.btn--block{width:100%}.btn svg{flex:none;width:20px;height:20px}.link-arrow{color:var(--navy);border-bottom:2px solid var(--bronze);transition:gap .18s var(--ease), color .18s var(--ease);align-items:center;gap:8px;padding-bottom:2px;font-weight:600;text-decoration:none;display:inline-flex}.link-arrow:hover{color:var(--navy-deep);gap:13px}.link-arrow svg{width:16px;height:16px}.btn-row{gap:var(--s-4);flex-wrap:wrap;align-items:center;display:flex}.topbar{background:var(--navy-deep);color:var(--text-on-dark-mut);letter-spacing:.02em;font-size:.9375rem}.topbar .wrap{justify-content:space-between;align-items:center;gap:var(--s-4);min-height:44px;display:flex}.topbar__item{align-items:center;gap:8px;display:inline-flex}.topbar__item svg{width:16px;height:16px;color:var(--bronze)}.topbar a{color:var(--white);font-weight:600;text-decoration:none}.header{z-index:90;background:var(--white);border-bottom:1px solid var(--border);transition:box-shadow .25s var(--ease);position:sticky;top:0}.header.is-stuck{box-shadow:var(--sh-sm)}.header .wrap{min-height:var(--header-h);align-items:center;gap:clamp(14px,2vw,28px);display:flex}.brand{flex:none;align-items:center;margin-right:auto;padding:10px 0;display:flex}.brand .logo{height:72px}.nav{align-items:center;gap:clamp(16px,1.8vw,26px);display:flex}.nav a{color:var(--charcoal);white-space:nowrap;border-bottom:2px solid #0000;padding:8px 0;font-size:1rem;font-weight:600;text-decoration:none}.nav a:hover,.nav a[aria-current=page]{color:var(--navy);border-bottom-color:var(--bronze)}.header__phone{white-space:nowrap;flex-direction:column;line-height:1.2;text-decoration:none;display:inline-flex}.header__phone span{letter-spacing:.14em;text-transform:uppercase;color:var(--charcoal-soft);font-size:.75rem;font-weight:600}.header__phone strong{color:var(--navy-deep);font-size:1.25rem;font-family:var(--font-body);font-weight:700}.header .btn{min-height:50px;padding:12px 20px;font-size:1rem}.nav-toggle{background:var(--white);border:2px solid var(--border-strong);border-radius:var(--r-md);min-height:50px;font:600 1rem var(--font-body);color:var(--navy-deep);cursor:pointer;align-items:center;gap:8px;padding:10px 16px;display:none}.nav-toggle svg{width:22px;height:22px}.mobile-nav{z-index:100;background:var(--white);padding:var(--s-5);display:none;position:fixed;inset:0;overflow-y:auto}.mobile-nav.is-open{display:block}.mobile-nav__head{margin-bottom:var(--s-5);justify-content:space-between;align-items:center;display:flex}.mobile-nav__head .logo{height:44px}.mobile-nav a.mobile-nav__link{color:var(--navy-deep);border-bottom:1px solid var(--border);padding:16px 4px;font-size:1.1875rem;font-weight:600;text-decoration:none;display:block}.mobile-nav a.mobile-nav__link:hover{color:var(--navy)}.mobile-nav__cta{margin-top:var(--s-6);gap:var(--s-3);display:grid}.hero{background:var(--bg);border-bottom:1px solid var(--border);position:relative;overflow:hidden}.hero:after{content:"";aspect-ratio:100/118;opacity:.05;pointer-events:none;background:url("data:image/svg+xml;utf8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 100 118'%3E%3Cpath d='M50 3 L95 20 v40 c0 30 -22 47 -45 55 C27 107 5 90 5 60 V20 Z' fill='none' stroke='%230E3A78' stroke-width='1'/%3E%3C/svg%3E") 50%/contain no-repeat;width:min(760px,68vw);position:absolute;top:52%;left:50%;transform:translate(-50%,-50%)}.hero .wrap{z-index:1;position:relative}.hero--page:after{opacity:.04;width:min(520px,42vw)}.hero__grid{grid-template-columns:1.05fr .95fr;align-items:center;gap:clamp(32px,5vw,72px);padding-block:clamp(48px,6vw,88px);display:grid}.hero h1{margin-bottom:var(--s-5)}.hero__lede{font-size:var(--fs-body-lg);color:var(--charcoal);max-width:46ch}.hero__phone{margin-top:var(--s-5);align-items:center;gap:var(--s-3);color:var(--text-muted);font-size:1.0625rem;display:flex}.hero__phone a{color:var(--navy-deep);font-size:1.25rem;font-weight:700;text-decoration:none}.hero__points{margin:var(--s-6) 0 0;gap:var(--s-3);padding:0;list-style:none;display:grid}.hero__points li{color:var(--charcoal);align-items:flex-start;gap:12px;margin:0;font-size:1.0625rem;display:flex}.hero__points svg{width:22px;height:22px;color:var(--bronze);flex:none;margin-top:2px}.card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-lg);padding:var(--s-6);box-shadow:var(--sh-xs);transition:border-color .2s var(--ease), box-shadow .2s var(--ease), transform .2s var(--ease)}.card h3{margin-bottom:var(--s-3)}.card p:last-child{margin-bottom:0}.card--link:hover{border-color:var(--border-strong);box-shadow:var(--sh-md);transform:translateY(-2px)}.card--elevated{box-shadow:var(--sh-lg);border-color:var(--border-strong)}.grid{gap:var(--s-5);display:grid}.grid--2{grid-template-columns:repeat(2,1fr)}.grid--3{grid-template-columns:repeat(3,1fr)}.grid--4{grid-template-columns:repeat(4,1fr)}.icon-tile{background:var(--bg-tint);border:1px solid var(--border);border-radius:var(--r-sm);width:52px;height:52px;color:var(--navy);margin-bottom:var(--s-4);place-items:center;display:grid}.icon-tile svg{width:26px;height:26px}.card--link:hover .icon-tile{border-color:var(--bronze);color:var(--navy-deep)}.issue-card{color:inherit;text-decoration:none;display:block}.issue-card h3{font-size:1.25rem}.issue-card p{color:var(--text-muted);font-size:1.0625rem}.issue-card__more{margin-top:var(--s-4);color:var(--navy);align-items:center;gap:8px;font-size:1rem;font-weight:600;display:inline-flex}.issue-card__more svg{width:16px;height:16px}.trust-strip{background:var(--white);border-block:1px solid var(--border)}.trust-strip .wrap{gap:var(--s-5);padding-block:var(--s-6);grid-template-columns:repeat(4,1fr);display:grid}.trust-item{gap:var(--s-3);align-items:flex-start;display:flex}.trust-item svg{width:30px;height:30px;color:var(--navy);flex:none}.trust-item strong{color:var(--navy-deep);margin-bottom:2px;font-size:1.0625rem;display:block}.trust-item span{color:var(--text-muted);font-size:.9688rem;line-height:1.5;display:block}.process{gap:0;display:grid}.step{gap:var(--s-5);padding-bottom:var(--s-7);grid-template-columns:92px 1fr;display:grid;position:relative}.step:last-child{padding-bottom:0}.step__rail{justify-content:center;display:flex;position:relative}.step__rail:before{content:"";background:linear-gradient(var(--navy) 0 50%, var(--charcoal) 50% 100%);opacity:.28;width:2px;position:absolute;top:62px;bottom:-6px;left:50%;transform:translate(-50%)}.step:last-child .step__rail:before{display:none}.step__num{background:var(--white);border:2px solid var(--navy);width:62px;height:62px;color:var(--navy-deep);font-family:var(--font-display);z-index:1;border-radius:50%;place-items:center;font-size:1.375rem;font-weight:700;display:grid}.section--navy .step__num{color:var(--white);background:0 0;border-color:#ffffff80}.section--navy .step__rail:before{opacity:1;background:#ffffff59}.step__body{padding-top:10px}.step__body h3{margin-bottom:var(--s-2)}.step__body p{margin-bottom:0}.service-card{color:inherit;flex-direction:column;text-decoration:none;display:flex}.service-card h3{font-size:1.25rem}.service-card p{color:var(--text-muted);flex:1;font-size:1.0625rem}.service-card .issue-card__more{margin-top:var(--s-4)}.split{grid-template-columns:1fr 1fr;align-items:center;gap:clamp(32px,5vw,80px);display:grid}.value-list{gap:var(--s-5);margin:0;padding:0;list-style:none;display:grid}.value-list li{gap:var(--s-4);grid-template-columns:46px 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strong{color:var(--navy-deep);font-size:1.0625rem;display:block}.form-card{background:var(--white);border:1px solid var(--border-strong);border-radius:var(--r-lg);box-shadow:var(--sh-lg);padding:clamp(24px,3.5vw,40px)}.form-card__head{border-bottom:1px solid var(--border);padding-bottom:var(--s-4);margin-bottom:var(--s-5)}.form-card__head h3{margin-bottom:var(--s-2)}.form-card__head p{color:var(--text-muted);margin:0;font-size:1rem}.field{margin-bottom:var(--s-4)}.field label{color:var(--navy-deep);margin-bottom:6px;font-size:1rem;font-weight:600;display:block}.field .hint{color:var(--text-muted);margin-bottom:8px;font-size:.9375rem;font-weight:400;display:block}.input,.select,.textarea{width:100%;min-height:56px;font-family:var(--font-body);color:var(--text);background:var(--white);border:2px solid var(--border-strong);border-radius:var(--r-md);transition:border-color .18s var(--ease), box-shadow .18s var(--ease);padding:14px 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solid var(--border-strong);border-left:4px solid var(--navy);border-radius:var(--r-md);padding:var(--s-5);display:none}.form-success.is-visible{display:block}.form-success h4{margin-bottom:var(--s-2)}.form-success p{color:var(--text-muted);margin:0;font-size:1.0625rem}.faq{border-top:1px solid var(--border);max-width:860px}.faq details{border-bottom:1px solid var(--border);background:0 0}.faq summary{cursor:pointer;padding:var(--s-5) 44px var(--s-5) 0;font-family:var(--font-display);color:var(--navy-deep);font-size:1.1875rem;font-weight:700;line-height:1.4;list-style:none;position:relative}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"";border-right:2px solid var(--bronze);border-bottom:2px solid var(--bronze);width:14px;height:14px;transition:transform .2s var(--ease);position:absolute;top:50%;right:8px;transform:translateY(-70%)rotate(45deg)}.faq details[open] summary:after{transform:translateY(-30%)rotate(-135deg)}.faq 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span{letter-spacing:.18em;text-transform:uppercase;color:var(--text-on-dark-mut);margin-bottom:6px;font-size:.8125rem;display:block}.cta-call a{color:var(--white);align-items:center;gap:12px;font-size:clamp(1.75rem,3vw,2.25rem);font-weight:700;text-decoration:none;display:inline-flex}.cta-call a svg{width:28px;height:28px;color:var(--bronze)}.cta-call small{color:var(--text-on-dark-mut);margin-top:8px;font-size:.9688rem;display:block}.notice{background:var(--white);border:1px solid var(--border);border-left:4px solid var(--bronze);border-radius:var(--r-md);padding:var(--s-5);color:var(--text-muted);font-size:.9688rem;line-height:1.6}.notice strong{color:var(--navy-deep);margin-bottom:6px;font-size:1rem;display:block}.notice p{max-width:none;margin:0}.notice--onnavy{border-color:#ffffff29;border-left-color:var(--bronze);color:var(--text-on-dark-mut);background:#ffffff0a}.notice--onnavy strong{color:var(--white)}.footer{background:var(--charcoal);color:#c7ccd3;padding-block:var(--s-8) var(--s-6)}.footer__grid{gap:var(--s-6);padding-bottom:var(--s-7);border-bottom:1px solid #ffffff24;grid-template-columns:1.4fr 1fr 1fr 1fr;display:grid}.footer__plate{background:var(--white);border-radius:var(--r-md);padding:var(--s-5);margin-bottom:var(--s-4);display:inline-block}.footer__plate .logo{width:260px;height:auto}.footer p{color:#b4bac2;font-size:1rem;line-height:1.65}.footer h4{color:var(--white);font-family:var(--font-body);letter-spacing:.16em;text-transform:uppercase;margin-bottom:var(--s-4);font-size:.875rem}.footer ul{margin:0;padding:0;list-style:none}.footer li{margin-bottom:12px}.footer a{color:#c7ccd3;font-size:1rem;text-decoration:none}.footer a:hover{color:var(--white);border-bottom:1px solid var(--bronze)}.footer__phone{color:var(--white);margin-bottom:6px;font-size:1.375rem;font-weight:700;text-decoration:none;display:inline-block}.footer__legal{padding-top:var(--s-5);color:#9aa1aa;font-size:.9375rem;line-height:1.7}.footer__legal 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